The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,874
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$248/mo
Today · 4.125%
HK$8,367
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,734/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,759
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$239/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,719
+HK$486/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,466/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,448
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$299/mo
Today · 4.125%
HK$10,041
baseline
▲ 0.50% · 4.625%
HK$10,652
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,082/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,511
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,793
−HK$286/mo
Today · 4.125%
HK$11,079
baseline
▲ 0.50% · 4.625%
HK$11,663
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,158/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,023
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$348/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,427
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,428/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,263
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$334/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,607
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,173
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$448/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,978
+HK$917/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,122/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,767
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,190
−HK$429/mo
Today · 4.125%
HK$16,619
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,238/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).